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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,088 | $29,670+31.7% | $56,054-30.3% | $80,911-51.7% |
| Participation rate | 89.2% | 41.7%+47.6pp | 52.5%+36.7pp | 67.6%+21.6pp |
| Annual return | 13.39% | 35.24%-21.8pp | 1705.95%-1692.6pp | 35.63%-22.2pp |
| Employer contribution / active EE | $1,481 | $670+121.2% | $1,039+42.6% | $2,756-46.2% |
| Participant deferral / active EE | $2,148 | $1,227+75.1% | $1,952+10.0% | $4,297-50.0% |
| Admin fee / account holder | $1,371 | $2,431-43.6% | $2,822-51.4% | $6,935-80.2% |